Advantage Investment Account & Platinum Advantage Investment Account

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily.Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Account Fees: Investment Accounts are allowed a total of 25 deposits & deposited items during the statement cycle without a charge. Each additional deposit & deposited item will be charged a fee of $.14.

On Advantage Investment Accounts, if your balance drops below $1,000.00 any time during the statement cycle, there is a $10.00 Minimum Balance Fee. On Platinum Advantage Investment Accounts, if your balance drops below $5,000.00 any time during the statement cycle, there is a $10.00 Minimum Balance Fee.

You may make unlimited transfers from your Investment Account to another of your accounts at the Bank and unlimited withdrawals (payments directly to you) when such transfers or withdrawals are made in person using the designated Inter-Bank Transfer Form or at an ATM.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar order to third parties are limited to six per statement cycle (of at least four weeks).

An excess debit fee of $5.00 per item will be charged for each limited withdrawal in excess of six per statement cycle.

As directed by Banking Regulations, transfers or withdrawals above the allowed number will also subject the account to being changed to a Regular Checking Account status without further notice

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.